Refund Policy

Because VirtuaChat gives you instant access to paid AI models and credits that we pay providers for as soon as you use them, we don't offer refunds — full or partial — for:

• subscription payments, monthly or yearly, including renewals;
• trial charges;
• unused time on a plan after you cancel, downgrade or stop using the Service;
• unused, expired or removed credits;
• accounts suspended or closed for breaking our Terms or Acceptable Use Policy.

This doesn't affect any rights you may have under laws that can't be excluded by agreement.

You can cancel your subscription whenever you like in Settings → Plan & billing — it takes a couple of clicks and no email is needed.

• Your plan stays active until the end of the current billing period. You keep all its features and remaining credits until then.
• After that, your subscription won't renew and you won't be charged again. Your account moves to the free plan, and your chats and library stay with you.
• To avoid being charged for the next period, cancel before your renewal date, shown in Settings → Plan & billing.
• Changed your mind? You can resume a cancelled plan any time before the period ends.

When a trial is offered — by default 3 days for $1 on eligible plans:

• The trial price is charged up front when the trial starts and is non-refundable.
• A card (or PayPal account) is required, even for trials.
• When the trial ends, your subscription automatically continues at the plan's full price and renews every period after that, unless you cancel before the trial ends.
• You can cancel during the trial at any time and keep access until the trial ends — you won't be charged the full price.
• Trial credits may be lower than the plan's full monthly allowance; the full allowance arrives with your first full payment.
• One trial per person, per account and per payment card. If a card has already been used for a trial, the full price is charged straight away.

We'll remind you by email before your trial ends.

Subscriptions renew automatically at the end of each period. We'll email you a receipt for every payment. If a plan's price changes, we'll tell you at least 14 days before it applies to your next renewal, so you have time to cancel if you don't want to continue.

• Upgrading takes effect straight away; any difference is charged as shown at checkout.
• Downgrading takes effect at your next renewal. You keep your current plan until then.

If you live in the EU or UK, you normally have a 14-day right to withdraw from online purchases. Because VirtuaChat is digital content and a digital service provided immediately, at checkout you ask us to start straight away and acknowledge that you lose your right of withdrawal once access begins.

If you see a charge you don't recognise, or think you've been charged twice or in error, email support@virtuachat.com within 30 days with the email on your account and the date of the charge. We'll look into it quickly. Genuine billing errors on our side — such as a duplicate charge — are corrected.

Please contact us before opening a dispute or chargeback with your bank. Opening a dispute may pause your account while it's reviewed.

Payments are processed by Stripe and PayPal. We never see or store your full card number.